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Sallie Mae Evolve

Sallie Mae Evolve

Earn 2.5% cash back on every purchase and get rewarded for being you.

Earn 2.5% cash back on every purchase for your first 12 months; then 1.25% unlimited cash back thereafter. You spend, you earn. It's easy.

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$0 Annual Fee

0% Introductory APR on purchases and balance transfers for 15 months from date of account opening

Then a standard variable APR of 12.99% to 24.99%

Cash back rewards that adapt to you.

Your spending habits change. So this card adapts. Whether it's travel, entertainment, groceries or gas, you'll automatically earn a 25% bonus on base cash back rewards earned in the top two categories of spend each month. Plus you'll earn 2.5% cash back for the first 12 months, and there's never an annual fee.

Rewards you with cash back. And protects it too.

Evolve helps you feel good about your spending. But also protected. If you ever lose your card, or it’s stolen, pause it instantly from our mobile app. No harm done.

Sallie Mae EvolveSM credit card
Sallie Mae EvolveSM credit card

It even protects your phone. Hello.

Pay your monthly cell phone bill with your Sallie Mae EvolveSM card, and get up to $600 per claim in cell phone protection.

Friendly reminder: friendly reminders.

Set and receive alerts to help manage your credit like a financial pro–opt in to push notifications.

Sallie Mae EvolveSM credit card

Control. In your pocket.

The Sallie Mae Evolve card puts control of your spending and security right where it belongs: with you. Use the mobile app to:

Pause your credit card for any reason

Set customized alerts

Dispute transactions

Track your credit score

And you’ll never be responsible for any unauthorized charges on your Sallie Mae EvolveSM credit card.

Evolve is your co-pilot.

Digital Wallets

Add your card to a digital wallet in seconds and speed through checkout.

Cell Phone Protection

Pay your monthly cell phone bill with your Sallie Mae EvolveSM credit card and get up to $600 per claim in cell phone protection.

$0 liability on unauthorized charges

You’re never responsible for unauthorized purchases on your card.

Customer Service

100% US-based customer service

Base cash back is earned at a rate of 1.25%. After the first 12 consecutive billing periods that your new account is open, we will match the net cash back rewards you’ve earned, excluding bonus rewards and other offers that may be available, up to $20,000 in net annual spend and apply them to your Rewards balance in the following one or two billing periods. Your account must be open and up-to-date at the time we calculate your potential award, or your net cash back will not be matched. For more information regarding this offer, click here.

View pricing and terms for Sallie Mae Evolve
Balance transfers must be authorized within 60 days from date of account opening.

The 25% bonus on base cash back rewards will be calculated on the base cash back rate of 1.25%. Click here to learn more about the eligible categories.

Cell phone protection is provided by Mastercard under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. The $600 benefit amount applies to each claim and is subject to a $50 co-pay per claim. Protection applies to up to 3 phones, the primary line and up to the first two secondary lines on the covered phone bill. $1,000 maximum claim benefit per 12 months. Refer to your Guide to Benefits for additional information as terms and exclusions may apply.

To access these features and benefits you must download the Sallie Mae credit card app.

You may initiate a dispute through the mobile app within the transaction details or by contacting us in writing at Sallie Mae, PO Box 1230, Menlo Park, CA 94026.

FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

The Sallie Mae Evolve credit card is issued by Sallie Mae Bank pursuant to a license by Mastercard International Incorporated. Mastercard and World Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.